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(Updated - total 8k added with some trick ) Free Credit Card to Bank transfer (April, 2025)

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RichieRich said:
Y e s
Click to expand...
Thanks! And what about Amazon Pay India Pvt

Is both WWW AMAZON IN and above have same mcc? Or different? And what mcc is coming on respective merchant names of the above. Please
Abhishek012 said:
Updated - got 5% cashback on SBI Cashback Credit Card.

merchant name - Amazon pay india pvt ltd

@2025
@RichieRich
Click to expand...
So WWW AMAZON IN don't give any cash back or it also gives.

Sorry but confused🤔
 
Thanks alot.

So, I can't understand why you are not looting with credit card on Amazon wallet load on app. On app, there are mainly two merchants coming WWW AMAZON IN and amazon on doing wallet load checked with sbi mastercard.

Yes I know it charges around 2.36 percent but even though swiggy and sbi cashback will give 5 percent according to @Abhishek012 on WWW AMAZON IN merchant.

That is why I am asking for long time and not able to understand why people not looting on credit card with amazon app directly because it has no 4000 limit.

That is my question?
I hope you understand this time.
 
Manishg said:
Thanks alot.

So, I can't understand why you are not looting with credit card on Amazon wallet load on app. On app, there are mainly two merchants coming WWW AMAZON IN and amazon on doing wallet load checked with sbi mastercard.

Yes I know it charges around 2.36 percent but even though swiggy and sbi cashback will give 5 percent according to @Abhishek012 on WWW AMAZON IN merchant.

That is why I am asking for long time and not able to understand why people not looting on credit card with amazon app directly because it has no 4000 limit.

That is my question?
I hope you understand this time.
Click to expand...
Arindam is watching from 5th dimension 🤣🤣
 
Manishg said:
Thanks alot.

So, I can't understand why you are not looting with credit card on Amazon wallet load on app. On app, there are mainly two merchants coming WWW AMAZON IN and amazon on doing wallet load checked with sbi mastercard.

Yes I know it charges around 2.36 percent but even though swiggy and sbi cashback will give 5 percent according to @Abhishek012 on WWW AMAZON IN merchant.

That is why I am asking for long time and not able to understand why people not looting on credit card with amazon app directly because it has no 4000 limit.

That is my question?
I hope you understand this time.
Click to expand...

direct amazn load, 95% chance its wallet load MCC.
 
helloworld said:
direct amazn load, 95% chance its wallet load MCC.
Click to expand...
Anyone can confirm mcc if it shows WWW AMAZON IN on direct loading wallet through website. In my case 2 out of 10 showing this merchant.

Anyone with idfc card can confirm mcc by doing R's 1 transaction. I don't have that's why I can't check but my inner feeling says that it is eligible for 5 percent cashback.
 
Last edited:
Manishg said:
Thanks alot.

So, I can't understand why you are not looting with credit card on Amazon wallet load on app. On app, there are mainly two merchants coming WWW AMAZON IN and amazon on doing wallet load checked with sbi mastercard.

Yes I know it charges around 2.36 percent but even though swiggy and sbi cashback will give 5 percent according to @Abhishek012 on WWW AMAZON IN merchant.

That is why I am asking for long time and not able to understand why people not looting on credit card with amazon app directly because it has no 4000 limit.

That is my question?
I hope you understand this time.
Click to expand...
Bhai, first clear ur basics. U need to learn basic things first, read more to know more.

If u load to wallet directly you get zero. Read again zero from cashback cc. Plus pay charges of loading.

Just try urself, then ask others to do that. Don't spread misinformation.

Also I have noticed you are confused on merchant name eligibility. In that process confusing others. Do not do such things.
 
2025 said:
Bhai, first clear ur basics. U need to learn basic things first, read more to know more.

If u load to wallet directly you get zero. Read again zero from cashback cc. Plus pay charges of loading.

Just try urself, then ask others to do that. Don't spread misinformation.

Also I have noticed you are confused on merchant name eligibility. In that process confusing others. Do not do such things.
Click to expand...
I read all messages but Earlier on loading wallet different merchant name came and now different that is WWW AMAZON IN. I had checked. But I don't have idfc cc so I can't check mcc. Anyone can do R's 1 transaction by idfc cc to check mcc
 
Manishg said:
Anyone can confirm mcc if it shows WWW AMAZON IN on direct loading wallet through website. In my case 2 out of 10 showing this merchant.

Anyone with idfc card can confirm mcc. I don't have that's why I can't check but my inner feeling says that it is eligible for 5 percent cashback.
Click to expand...

Its complicated especially when dealing MCC, very few people expert in it (whose videos or posts you'll see mostly).

lets say for your convenience (and apply same rule to every merchant, app, website not only limited to Amzn)

WWW AMAZON IN --> this doesn't tied to "single MCC", depends on the place u visit this merchant name it get "different MCC".

an example for your understanding..

helloworld said:
Note: MCC depends on Place, POS machine, category code tagged to that POS machine.

Ex: DMart in Mumbai may have mcc of grocery but DMart in Hyderabad may have mcc as departmental stores. Also, DMart in Delhi on counter 3 has MCC of Grocery, counter 2 has mcc of departmental store - unfortunately, same rules applies to Ratnadeep. Maybe location at ABC, counter Y has POS machine tagged as fuel and can also charge fuel surcharge without cashback. Anything possible.

Go to desired location, do a test transaction like 500. wait till it posted to account (2 or 3 days), call customer support and ask for mcc code. If that category falls under 'grocery', go to same location and preferably same counter (hopefully they didn't swapped that POS machine), purchase as you like.

Also, note: whatever the mcc code they received, they'll give cashback based on that.
Click to expand...

this is physical POS machine but replace that as 'Gateway' and apply same rule to Online txns.
 
helloworld said:
Its complicated especially when dealing MCC, very few people expert in it (whose videos or posts you'll see mostly).

lets say for your convenience (and apply same rule to every merchant, app, website not only limited to Amzn)

WWW AMAZON IN --> this doesn't tied to "single MCC", depends on the place u visit this merchant name it get "different MCC".

an example for your understanding..



this is physical POS machine but replace that as 'Gateway' and apply same rule to Online txns.
Click to expand...
Yes but likely in this case WWW AMAZON IN should have same mcc for all with that merchant name.

Only idfc cc users can confirm now!
 
Manishg said:
I read all messages but Earlier on loading wallet different merchant name came and now different that is WWW AMAZON IN. I had checked. But I don't have idfc cc so I can't check mcc. Anyone can do R's 1 transaction by idfc cc to check mcc
Click to expand...
Manishg said:
Yes but likely in this case WWW AMAZON IN should have same mcc for all with that merchant name.

Only idfc cc users can confirm now!
Click to expand...
Read them here. I don't want to share anything else. Because that is not necessary as of now. I have said this long back.
2

Post in thread 'New loot for debit card holders'

Abhishek012 said:
I think mastercard MCC code - 5732

Visa mcc code - 4511

Note - this is not 100% accurate because subsequent transaction also change to mastercard MCC code - 4511 (actually merchant name is changed on next transaction)

So, maybe MCC code 5732 or sometimes 4511
Click to expand...
Bhai Now everything is clear to me. Did 10+ txn.

Someone was hiding something from me. Thats why doing more.

MCC is 4511 or 5732 or 6540 (bad luck if u get)

Look at merchant name. That's the indicator. Nothing else.

My rupay not working.
MC working but merchant changed earlier was different.
Visa merchant also...
  • Hehe
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Apply For LTF Scepia Credit Card
Manishg said:
Yes but likely in this case WWW AMAZON IN should have same mcc for all with that merchant name.

Only idfc cc users can confirm now!
Click to expand...
Bhai, you don't need idfc cc users. You can also confirm this by doing a test transaction and wait for the transaction to settle. You can confirm directly by checking the cashback or call customer care and ask for MCC. Also, you can't rely completely on idfc as mcc changes from network to network like it can be different for mastercard compared to a visa card
 
b4bhar said:
Bhai, you don't need idfc cc users. You can also confirm this by doing a test transaction and wait for the transaction to settle. You can confirm directly by checking the cashback or call customer care and ask for MCC. Also, you can't rely completely on idfc as mcc changes from network to network like it can be different for mastercard compared to a visa card
Click to expand...
What you think? Till then it will be corrected especially after Arindam video.
 
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